Buy Cheap Sarasota, FL Auto Insurance (2021)

Sarasota, FL auto insurance rates average $342 a month. Minimum auto insurance requirements in Sarasota, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Sarasota, FL, compare Sarasota auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Sarasota, FL for teens drivers are $7,369/year
  • Average auto insurance rates in Sarasota, FL are $342/month
  • Average auto insurance rates in Sarasota, FL after a DUI are $4,937/year

Finding affordable Sarasota, Florida auto insurance can be challenging, but everything you need to know to buy cheap Sarasota, FL auto insurance with confidence is right here. Auto insurance rates in Sarasota are affected by local factors as well as personal ones like your driving record.

See how Sarasota, FL car insurance rates compare to Fort Lauderdale auto insurance rates, St. Petersburg auto insurance rates, and Tallahassee auto insurance rates before you read more about the cost of auto insurance in Sarasota.

Don’t buy Sarasota, FL auto insurance until you’ve compared rates. Get free Sarasota, Florida auto insurance quotes when you enter your ZIP code above.

Sarasota, FL Minimum Auto Insurance Requirements

The required auto insurance in Sarasota, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Sarasota, Florida is outlined here.

Minimum Required Auto Insurance Coverage in Sarasota, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Sarasota, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Sarasota, FL. Take a look at Sarasota, Florida auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Sarasota, Florida

Insurance Company Poor Fair Good
Allstate $8,754 $5,562 $4,525
GEICO $5,099 $3,062 $2,284
Liberty Mutual $5,922 $4,361 $3,547
Nationwide $4,572 $3,365 $3,048
Progressive $6,605 $4,700 $3,929
State Farm $3,902 $2,551 $2,089
USAA $4,540 $2,230 $1,622

Buy Cheap Sarasota, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Sarasota, Florida auto insurance rates? Find out how car insurance rates in Sarasota, FL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Sarasota, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,925 $3,743 $3,404 $3,455 $13,359 $14,429 $3,935 $3,991
GEICO $2,741 $2,750 $2,566 $2,566 $4,943 $6,205 $3,022 $3,060
Liberty Mutual $3,211 $3,211 $2,948 $2,948 $6,713 $10,307 $3,211 $4,332
Nationwide $2,559 $2,531 $2,286 $2,366 $6,169 $7,619 $2,820 $2,942
Progressive $3,380 $3,190 $2,915 $3,111 $9,607 $10,466 $4,064 $3,890
State Farm $1,780 $1,780 $1,618 $1,618 $5,226 $6,658 $1,977 $2,121
USAA $1,609 $1,580 $1,505 $1,490 $5,562 $6,460 $2,008 $2,164

Buy Cheap Sarasota, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Sarasota can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Sarasota, FL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Sarasota, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,359 $14,429
GEICO $4,943 $6,205
Liberty Mutual $6,713 $10,307
Nationwide $6,169 $7,619
Progressive $9,607 $10,466
State Farm $5,226 $6,658
USAA $5,562 $6,460

Buy Cheap Sarasota, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Sarasota, Florida by comparing Sarasota senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Sarasota, FL here.

Annual Auto Insurance Rates for Senior Drivers in Sarasota, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,404 $3,455
GEICO $2,566 $2,566
Liberty Mutual $2,948 $2,948
Nationwide $2,286 $2,366
Progressive $2,915 $3,111
State Farm $1,618 $1,618
USAA $1,505 $1,490

Find Cheap Auto Insurance Rates in Sarasota, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Sarasota, Florida auto insurance. Compare Sarasota, FL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Sarasota, Florida

Insurance Company Low Medium High
Allstate $5,061 $6,555 $7,224
GEICO $2,847 $3,605 $3,993
Liberty Mutual $4,234 $4,679 $4,917
Nationwide $2,936 $3,798 $4,250
Progressive $4,280 $5,194 $5,760
State Farm $2,435 $2,916 $3,191
USAA $2,412 $2,898 $3,083

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Find Cheap Sarasota, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Sarasota. Compare auto insurance rates in Sarasota, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Sarasota, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,100 $6,461
GEICO $3,465 $3,499
Liberty Mutual $4,463 $4,757
Nationwide $3,662 $3,662
Progressive $5,078 $5,078
State Farm $2,751 $2,944
USAA $2,766 $2,829

Find Cheap Sarasota, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Sarasota, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Sarasota, FL to see how much where you live in Sarasota affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Sarasota, Florida

ZIP Code Average Annual Rates
34236 $3,135
34237 $3,179
34238 $3,139
34239 $3,144
34240 $3,220
34241 $3,084
34242 $3,107
34243 $3,225

Find Cheap Sarasota, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Sarasota, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Sarasota, FL, take a look at the average cost for various violations versus rates for a clean driving record in Sarasota.

Annual Sarasota, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,425 $6,481 $7,198 $6,016
GEICO $2,407 $3,093 $4,634 $3,793
Liberty Mutual $3,324 $4,315 $6,263 $4,539
Nationwide $3,133 $3,430 $4,607 $3,476
Progressive $3,997 $5,940 $4,990 $5,384
State Farm $2,601 $3,093 $2,847 $2,847
USAA $2,181 $2,702 $4,018 $2,289

Find Cheap Sarasota, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Sarasota, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Sarasota for less when you shop around and compare rates from multiple Sarasota, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Sarasota, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,198
GEICO $4,634
Liberty Mutual $6,263
Nationwide $4,607
Progressive $4,990
State Farm $2,847
USAA $4,018

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Winners by Category: Where to Buy Cheap Auto Insurance in Sarasota, FL

Compare rates from the cheapest auto insurance companies in Sarasota, FL for your needs. Take a look at how Sarasota, Florida auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Sarasota, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Sarasota, Florida Auto Insurance Companies

If you’re looking for the cheapest Sarasota, FL auto insurance companies overall, you can compare them here. Find the best price for Sarasota, Florida car insurance by company.

Average Annual Auto Insurance Rates by Company in Sarasota, Florida

Insurance Company Average Annual Rates
Allstate $6,280
GEICO $3,482
Liberty Mutual $4,610
Nationwide $3,662
Progressive $5,078
State Farm $2,847
USAA $2,797

What affects Sarasota, Florida auto insurance rates?

Local factors affect auto insurance rates in Sarasota, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Sarasota auto insurance rates.

Auto Theft in Sarasota

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Sarasota, FL auto theft show a total of 134 vehicle thefts annually.

Commute Times in Sarasota

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Sarasota, FL is 24.4 minutes according to City-Data.

Traffic in Sarasota

How is traffic in Sarasota, Florida? Inrix data shows that Sarasota, FL traffic makes it the 173rd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Sarasota, FL

You can buy cheap Sarasota, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Sarasota, Florida auto insurance quotes from top companies.

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